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This institution is no longer active

Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.

FIRST MISSOURI STATE BANK OF CAPE COUNTY

CAPE GIRARDEAU, MO · Supervised by FDIC

Est. 2006FDIC #58,230RSSD: FDIC-58230
Part ofFMS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

2 S Mount Auburn Rd, CAPE GIRARDEAU, MO

County

Cape Girardeau County

Established

June 30, 2006

Total Assets

$235M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$235M

Total Deposits

$207M

Net Loans

$201M

Net Income

$3M

ROA

1.14%

ROE

13.21%

Risk-Based Capital

10.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.50%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$200M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248083.75%2.50%
20237586.67%0.00%
202210981.65%1.83%
202120693.69%0.97%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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